Affordable Ohio Health Insurance Plans

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Affordable health insurance with pre-existing conditions covered will be offered again in 2021. Beginning February 15, and ending May 15th, Buckeye State residents can enroll in a Marketplace plan with federal subsidies available. The Executive Order issued by President Biden and the Center for Medicare and Medicaid Services (CMS) created the Special Enrollment Period. New applications can be submitted and existing plans can be changed to different plans with the three-month special SEP.

When a qualifying event is present, applications can be submitted at any time. Medicaid and CHIP applications are also accepted at all times throughout the year without evidence of insurability. If a person becomes ineligible for Medicaid or CHIP, an SEP may become available for a new Federal or State Exchange enrollment. There are no fees when enrolling, and billing is typically monthly with no extra charges.

Expenses for diagnosis and treatment of COVID-19 are covered on qualified Ohio Exchange plans by all carriers, along with approved vaccines. Any applicable copay or deductible may apply. The participating 2021 insurers are Ambetter, Anthem Blue Cross, CareSource, Medical Mutual, Molina, Oscar, Paramount, and SummaCare. The full portfolio of policies is offered in the Catastrophic, Bronze, Expanded Bronze, Silver, Gold, and Platinum tiers.

Prior coverage is not required and the enrollment process takes less than 20 minutes. The effective date of benefits is the first day of the month following the date of application. There are no policy fees or enrollment charges. The federal instant tax credit is based on the projected 2021 household income. Senior household members that are eligible for Medicare must also include their income when calculating the subsidy.

Currently, the least expensive subsidy-eligible plans are: Ambetter Essential Care 1, Ambetter Essential Care 10, SummaCare Bronze 8550, SummaCare Bronze 6850 HSA, Oscar Bronze Classic, Oscar Bronze Simple, Medical Mutual Market HMO 8500, CareSource Marketplace Bronze, CareSource Marketplace Eligible Bronze, Anthem Bronze Pathway X HMO 8550, and Molina Constant Care Silver 2 250.

Direct outreach to customers, paid advertising, and additional marketing tools have been utilized to contact the public. There are several methods to apply for coverage, and no application or enrollment fees are charged. is a leading trusted resource for Buckeye State consumers when shopping for affordable healthcare plans, and subsequently enrolling through a secure platform.

After May 15, non-Obamacare plans continue to be offered for persons that don’t qualify for a Special Enrollment Period (SEP). Short-term plans offered by Anthem, UnitedHealthcare, and National General (Aetna PPO network) provide affordable healthcare options next-day effective dates offered. Deductibles from $500-$10,000 are available.